Is this a question or a guide and recommendations you are given Binance exchange?
Of course we do experience such cases while doing p2p transactions on exchanges, but we are always safe since the exchange always stand as escrow to monitor the transactions till the end.

I always feel that p2p transactions while selling crypto to fiat is safer than while buying coin with fiat because you will be holding your coins till the payment is confirmed by you before releasing the coin to the buyer; that’s why when ever I wanted buying with fiat, I usually buy with little amounts repeatedly to avoid been scammed.